SANTA CRUZ - WATSONVILLE Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Santa Cruz - Watsonville averaged 4.92% for the week of 2022-08-04, compared to the national average of 4.99% for the same period.

The average rate for the prior week (2022-07-28) was 5.63% and one month ago for the week of 2022-06-30, the average rate was 5.73%.

Santa Cruz - Watsonville's average rate one year ago was 2.67%.

For refis of the same type during the week of 2022-08-04, the average rate was 5.01%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-08-04 4.99%
Santa Cruz - Watsonville 30 Year Fixed Rate 2022-08-04 4.92%
Santa Cruz - Watsonville 30 Year Fixed Rate Refi 2022-08-04 5.01%
Santa Cruz - Watsonville 15 Year Fixed Rate 2022-08-04 4.76%
Santa Cruz - Watsonville 15 Year Fixed Rate Refi 2022-08-04 4.11%
Santa Cruz - Watsonville 30 Year FHA 2022-08-04 5.31%
Santa Cruz - Watsonville 30 Year FHA Refi 2022-08-04 5.15%
Santa Cruz - Watsonville 30 Year USDA 2022-08-04 5.03%
Santa Cruz - Watsonville 30 Year USDA Refi 2022-08-04 5.96%
Santa Cruz - Watsonville 30 Year VA 2022-08-04 5.32%
Santa Cruz - Watsonville 30 Year VA Refi 2022-08-04 4.8%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within SANTA CRUZ-WATSONVILLE, CA.

SANTA CRUZ - WATSONVILLE Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the SANTA CRUZ-WATSONVILLE, CA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
QUICKEN LOANS, LLC 1,162 2.91% $4,805
Flagstar Bank, FSB 692 3.04% $6,338
UNITED WHOLESALE MORTGAGE, LLC 687 2.95% $6,457
Wells Fargo Bank 406 2.96% $4,619
MASON MCDUFFIE MORTGAGE CORPORATION 345 3.02% $8,610
HOME POINT FINANCIAL CORPORATION 292 2.85% $5,856
LOANDEPOT.COM, LLC 290 2.76% $4,277
JPMorgan Chase Bank 261 2.85% $5,661
BAY 229 3.13% $4,590
GUARANTEED RATE, INC. 224 2.91% $5,862
MOUNTAIN WEST FINANCIAL, INC. 197 3.06% $4,771
Bank of America 175 2.74% $4,729
FINANCE OF AMERICA MORTGAGE LLC 151 2.96% $10,695
U.S. Bank 138 2.94% $4,753
ACADEMY MORTGAGE CORPORATION 128 3.17% $8,033
BETTER MORTGAGE CORPORATION 111 2.73% $5,270
PREMIER MORTGAGE RESOURCES, L.L.C. 106 3.26% $5,181
Fremont Bank 101 3.02% $2,097
AMERICAN PACIFIC MORTGAGE CORPORATION 94 3.10% $6,164
CROSSCOUNTRY MORTGAGE, LLC 94 3.10% $6,791
STEARNS LENDING, LLC 87 2.91% $4,628
PENNYMAC LOAN SERVICES, LLC 82 2.92% $5,538
GUARANTEED RATE AFFINITY, LLC 78 2.93% $5,871
Commerce Home Mortgage, Inc. 77 3.18% $4,662
Mr. Cooper ( Nationstar Mortgage ) 72 3.00% $6,115
Paramount Residential Mortgage Group, Inc. 72 3.05% $4,403
MUFG Union Bank 72 2.89% $4,760
SUMMIT FUNDING, INC. 66 3.10% $6,729
BAY EQUITY LLC 66 2.96% $6,342
AMERISAVE MORTGAGE CORPORATION 64 2.69% $6,398
First Republic Bank 57 2.85% $3,654
CALIBER HOME LOANS, INC. 54 2.96% $4,311
BROKER SOLUTIONS, INC. 50 2.94% $4,606
Morgan Stanley Private Bank 50 2.80% $3,999
ON Q FINANCIAL, INC. 49 3.08% $4,697
PROVIDENT FUNDING ASSOCIATES, L.P. 48 2.78% $4,775
NEWREZ LLC 47 3.05% $5,916
ENVOY MORTGAGE, LTD 43 3.28% $4,461
Charles Schwab Bank, SSB 42 2.40% $3,428
GUILD MORTGAGE COMPANY 39 3.16% $6,982
Ally Bank 39 2.69% $10,248
PNC Bank 38 2.79% $4,791
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 38 3.09% $5,876
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 37 2.97% $4,599
Bank of the West 33 3.04% $4,191
THE GOLDEN 1 31 2.88% $6,533
CELEBRITY HOME LOANS, LLC 30 3.10% $6,468
LENDUS, LLC 29 3.09% $6,994
General Mortgage Capital Corporation 29 3.02% $3,889
NETWORK CAPITAL FUNDING CORPORATION 26 2.91% $3,552
S1L, Inc. 26 3.12% $5,668
Evolve Bank & Trust 26 3.14% $2,359
Sierra Pacific Mortgage Company, Inc. 23 2.99% $3,890
STAR ONE CREDIT UNION 23 2.79% $5,075
WINNPOINTE CORPORATION 22 2.69% $809
Provident Credit Union 22 2.80% $4,645
FREEDOM MORTGAGE CORPORATION 22 2.97% $2,237
PARKSIDE LENDING, LLC 21 2.92% $6,704
LADERA LENDING, INC. 21 3.02% $3,081
GOOGAIN, INC. 21 2.99% $2,897
PLANET HOME LENDING, LLC 21 3.03% $4,695
PATELCO 20 2.96% $5,067
Watermark Capital, Inc. 20 2.77% $2,956
A&D Mortgage LLC 19 3.18% $9,371
Strong Home Mortgage, LLC 19 2.89% $3,604
NBKC BANK 18 2.86% $2,501
AMERICAN FINANCIAL NETWORK, INC. 18 3.06% $17,877
UBS Bank USA 18 2.65% $5,028
PRIMELENDING, A PLAINSCAPITAL COMPANY 16 3.24% $6,945
MUTUAL OF OMAHA MORTGAGE, INC. 16 2.94% $2,459
MEGA CAPITAL FUNDING, INC. 14 2.82% $3,373
MERIWEST MORTGAGE COMPANY, LLC 14 2.88% $5,699
CMG MORTGAGE, INC. 14 3.23% $7,331
DIGNIFIED HOME LOANS, LLC 14 3.13% $5,305
SEA WEST COAST GUARD FEDERAL CREDIT UNION 13 2.72% $17,358
Prosperity Home Mortgage, LLC 13 3.13% $7,085
InterContinental Capital Group, Inc 13 2.77% $4,348
HOMEBRIDGE FINANCIAL SERVICES, INC. 13 3.09% $5,481
EVERETT FINANCIAL, INC. 13 3.38% $2,500
Wyndham Capital Mortgage, Inc. 13 2.90% $2,386
DATA MORTGAGE, INC. 12 2.92% $10,396
JMAC LENDING, INC. 12 2.85% $10,374
CHERRY CREEK MORTGAGE, LLC 12 2.75% $1,211
GENEVA FINANCIAL, LLC 11 3.01% $9,811
PREMIER LENDING, INC. 11 2.95% $7,259
TIAA, FSB 11 3.00% $4,310
IMPAC MORTGAGE CORP. 11 2.96% $3,105
DRAPER AND KRAMER MORTGAGE CORP. 10 3.12% $5,896
KEYPOINT 10 3.19% $6,570
LAND HOME FINANCIAL SERVICES, INC. 10 3.01% $4,975
STANFORD Federal Credit Union 9 3.03% $8,758
Silicon Valley Bank 9 2.56% $4,175
LANDED HOME LOANS LLC 9 3.10% $8,000
Umpqua Bank 9 3.07% $5,185
NEXERA HOLDING LLC 9 3.28% $10,968
NAVY FEDERAL CREDIT UNION 9 3.14% $3,432
OCMBC, INC. 9 2.76% $6,848
Citibank 9 2.78% $6,518
KeyBank 8 2.77% $5,530
HighTechLending Inc 8 3.08% $6,790
Cf Bank 8 2.86% $1,629
Golden Empire Mortgage, Inc. 8 2.97% $3,282
TECHNOLOGY 8 2.91% $6,725
First Savings Bank 8 3.09% $5,748
RESIDENTIAL WHOLESALE MORTGAGE, INC. 7 2.89% $4,364
AMERICAN INTERNET MORTGAGE, INC. 7 2.71% $3,320
REDWOOD RESIDENTIAL ACQUISITION CORPORATION 7 3.02% $12,890
LOANSNAP, INC. 7 2.66% $3,778
North American Savings Bank, F.S.B. 7 2.63% $2,079
Amerifirst Financial, Inc. 7 3.20% $7,653
Mechanics Bank 7 3.09% $3,910
Truist Bank 7 3.05% $6,015
The Loan Store, Inc. 6 2.88% $3,645
PACIFIC SERVICE 6 3.27% $2,654
MOVEMENT MORTGAGE, LLC 6 3.14% $5,485
NMSI, INC. 6 2.77% $9,311
Arvest Bank 6 3.02% $5,011
ZILLOW HOME LOANS, LLC 6 2.90% $2,387
CANOPY MORTGAGE, LLC 6 3.08% $6,780
CENTRAL COAST LENDING, INC. 6 2.98% $5,025
City National Bank 6 2.61% $4,190
SOVEREIGN LENDING GROUP INCORPORATED 6 2.96% $5,948
SOFI LENDING CORP. 6 2.90% $4,163
SANTA CLARA COUNTY 6 3.02% $3,186
FirstBank 6 2.90% $2,129
FIRST TECHNOLOGY 6 2.96% $5,372
PLAZA HOME MORTGAGE, INC. 6 2.90% $10,232
PHH Mortgage Corporation 6 2.85% $5,907
AMERICAN FINANCING CORPORATION 6 3.10% $6,868
LAKEVIEW LOAN SERVICING, LLC 6 3.16% $3,574
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 5 3.12% $11,167
Nations Lending Corporation 5 3.18% $10,191
Third Federal Savings and Loan Association of Cleveland 5 2.58% $908
Carrington Mortgage Services, LLC 5 3.05% $8,889
Citadel Servicing Corporation 5 5.22% $17,408
CIT Bank 5 3.18% $6,616
ONY GLO, INC. 5 2.60% $2,990
LENDERFI, INC. 5 2.85% $1,973
ALAMEDA MORTGAGE CORPORATION 5 2.95% $5,412
The Federal Savings Bank 5 3.10% $7,973
San Mateo Credit Union 5 2.80% $2,507
Ameris Bank 5 2.85% $3,147
ANGEL OAK HOME LOANS LLC 5 3.23% $3,624
FISHER FINANCIAL GROUP, INCORPORATED 5 2.73% $2,367
HOME APPROVALS DIRECT, INC. 4 3.44% $11,271
Prime Choice Funding Inc. 4 2.88% $4,019
Firefighters First Federal Credit Union 4 2.88% $622
PENTAGON FEDERAL CREDIT UNION 4 3.03% $4,449
EMBRACE HOME LOANS, INC. 4 2.94% $3,936
Comerica Bank 4 3.13% $2,135
Barrington Bank & Trust Company, N.A. 4 3.16% $3,638
ATHAS CAPITAL GROUP, INC. 4 4.13% $15,560
ARK-LA-TEX FINANCIAL SERVICES, LLC. 4 3.12% $5,607
Northpointe Bank 4 2.88% $3,681
NexBank 4 2.69% $4,257
ARC HOME LLC 4 4.10% $9,624
NATIONS DIRECT MORTGAGE, LLC 4 4.03% $9,654
PRIMARY RESIDENTIAL MORTGAGE, INC. 4 3.19% $5,804
Franklin Loan Corporation 4 3.25% $5,740
HOMEXPRESS MORTGAGE CORP. 3 3.62% $30,368
LENDSURE MORTGAGE CORP. 3 3.75% $23,182
HomeStreet Bank 3 2.96% $13,085
ADVANCIAL 3 4.46% $8,571
BBVA USA 3 3.04% $10,109
Luxury Mortgage Corp. 3 3.79% $7,784
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 3 2.88% $1,789
AmeriHome Mortgage Company, LLC 3 2.71% $3,380
HOMESIDE FINANCIAL, LLC 3 2.88% $4,061
First Guaranty Mortgage Corporation 3 3.54% $3,745
KELLER MORTGAGE, LLC 3 3.17% $3,955
KINECTA 3 3.29% $7,727
MORIA DEVELOPMENT, INC. 3 3.25% $9,431
Kwik Mortgage Corporation 3 2.71% $1,811
Citizens Bank 3 3.13% $10,023
CALCON MUTUAL MORTGAGE LLC 3 3.08% $3,954
SCHOOLSFIRST 3 3.00% $4,432
Financial Funding Solutions, Inc. 3 2.92% $1,986
HSBC BANK USA, NATIONAL ASSOCIATION 3 2.56% $5,089
Zions Bancorporation, N.A. 2 2.81% $2,757
5TH STREET CAPITAL, INC. 2 4.44% $22,553
AHL FUNDING 2 4.43% $13,638
AUGUSTA FINANCIAL, INC. 2 2.88% $19,222
Axos Bank 2 3.75% $5,955
BELEM SERVICING LLC 2 3.06% $10,143
Bell Bank 2 3.22% $3,546
BNY Mellon 2 2.69% $5,005
Equity Prime Mortgage LLC 2 2.94% $4,954
EXCITE Credit Union 2 3.19% $3,564
First Mortgage Solutions, LLC 2 2.75% $3,278
Florida Capital Bank 2 3.25% $9,747
Hometown Lenders, Inc. 2 3.75% $7,375
INTELLILOAN, INC. 2 2.94% $4,029
KINGS MORTGAGE SERVICES, INC. 2 3.44% $4,757
LOANFLIGHT LENDING, LLC 2 2.49% $1,413
LOANPAL, LLC 2 2.69% $8,414
LOGIX FEDERAL CREDIT UNION 2 2.75% $7,505
Luther Burbank Savings 2 3.06% $5,081
MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION 2 3.06% $4,618
MEGASTAR FINANCIAL CORP. 2 3.75% $4,820
Merchants Bank of Indiana 2 2.56% $3,331
MICHIGAN MUTUAL, INC. 2 2.81% $3,667
MORTGAGEONE, INC. 2 2.94% $5,820
NATIONS RELIABLE LENDING, LLC 2 2.81% $3,598
PRIVATE MORTGAGE ADVISORS, LLC 2 2.87% $3,803
Raymond James Bank 2 2.81% $2,873
RESIDENTIAL BANCORP. 2 3.00% $5,132
SNAPFI, INC. 2 3.31% $8,321
Stifel Bank and Trust 2 2.63% $4,407
SUN WEST MORTGAGE COMPANY, INC. 2 3.25% $9,224
The Central Trust Bank 2 2.88% $2,211
TRAVIS CREDIT UNION 2 3.13% $3,903
USAA Federal Savings Bank 2 3.00% $2,825
VERITAS FUNDING, LLC 2 3.13% $5,360
V.I.P. MORTGAGE, INC. 2 3.13% $2,628
WESTERN EXPRESS LENDING 2 2.99% $2,383
KBHS HOME LOANS, LLC 1 3.63% $3,818
INTERCAP LENDING INC. 1 2.88% $4,638
INSPIRE HOME LOANS INC. 1 3.63% $7,582
Pinnacle Bank 1 3.13% $2,805
INFINITY EQUITY GROUP, INC. 1 3.25% $6,233
Platinum Home Mortgage Corporation 1 3.25% $10,919
Home Mortgage Alliance Corp 1 3.00% $9,118
PLUS RELOCATION MORTGAGE, LLC 1 3.13% $10,671
GUIDANCE RESIDENTIAL, LLC 1 3.50% $6,571
PREMIA MORTGAGE, LLC 1 3.25% $4,344
PREMIER AMERICA 1 3.88% $24,485
GRANDE HOMES, INC. 1 3.25% $3,455
Goldwater Bank, N.A. 1 3.38% $16,032
FUNDLOANS CAPITAL 1 4.88% $22,371
First Western Trust Bank 1 2.88% $3,549
FIRST NATIONS HOME FINANCE CORPORATION 1 3.00% $8,068
Princeton Mortgage Corporation 1 2.88% $11,543
ALL WESTERN MORTGAGE, INC. 1 3.63% $4,512
First Internet Bank of Indiana 1 2.88% $2,956
First Home Bank 1 3.13% $6,947
FIRST ENTERTAINMENT 1 2.50% $2,173
FIRST CENTENNIAL MORTGAGE CORPORATION 1 3.00% $4,435
Quontic Bank 1 5.88% $6,258
RANLIFE, INC. 1 3.38% $5,833
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 3.25% $7,549
REDWOOD 1 3.00% $4,544
Financial Partners Credit Union 1 2.50% $3,398
Reliant Bank 1 3.00% $12,581
Republic Bank & Trust Company 1 3.00% $1,937
ALLIED MORTGAGE GROUP, INC. 1 2.50% $13,941
Fifth Third Bank 1 3.38% $3,714
ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 2.99% $56
Fidelity Bank 1 2.63% $3,229
SAFE CREDIT UNION 1 3.75% $8,509
SAN DIEGO COUNTY CREDIT UNION 1 2.88% $6,856
FBC MORTGAGE, LLC 1 2.88% $3,147
FAY SERVICING, LLC 1 2.88% $3,025
SCENIC OAKS FUNDING, INC. 1 2.88% $5,151
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION 1 4.38% $6,989
Discover Bank 1 3.99% $0
SECURITYNATIONAL MORTGAGE COMPANY 1 3.00% $4,631
Servion, Inc. 1 3.13% $2,060
SESLOC 1 3.00% $3,214
DEL SUR CORPORATION 1 3.25% $3,414
DEEPHAVEN MORTGAGE LLC 1 4.50% $12,082
ABSOLUTE HOME MORTGAGE CORPORATION 1 2.63% $2,454
Credit Union of Southern California 1 3.25% $5,453
CORNERSTONE HOME LENDING, INC. 1 2.38% $19,919
SPRING EQ, LLC 1 2.63% $0
CONTOUR MORTGAGE CORPORATION 1 3.00% $14,306
CHURCHILL MORTGAGE CORPORATION 1 3.25% $3,295
CHU & ASSOCIATES, INC. 1 2.88% $5,396
Sterling Bank and Trust, FSB 1 3.50% $6,669
ST FIN CORP 1 2.75% $5,770
AMCAP MORTGAGE, LTD. 1 2.75% $8,207
Chickasaw Community Bank 1 2.88% $11,480
Century Mortgage Company DBA Century Lending Company 1 3.25% $3,899
SUMMIT MORTGAGE BANKERS INC. 1 2.88% $2,966
ALTURA 1 3.38% $3,571
CALCULATED RISK ANALYTICS LLC 1 3.13% $10,615
1ST RELIANT HOME LOANS, INC. 1 2.50% $3,862
Boston Private Bank & Trust Company 1 2.50% $4,690
Boeing Employees Credit Union 1 3.25% $3,549
BNC National Bank 1 2.63% $2,881
BNB FINANCIAL INC. 1 2.88% $3,959
BMO Harris Bank 1 2.75% $5,128
TOTAL MORTGAGE SERVICES, LLC 1 2.75% $3,795
TOWNE MORTGAGE COMPANY 1 2.75% $2,805
Toyota Financial Savings Bank 1 3.13% $3,771
Wheatland Bank 1 2.88% $4,421
BEST FINANCE CAPITAL, INC. 1 3.50% $10,724
TRUWEST Credit Union 1 3.00% $4,165
Baxter Credit Union 1 2.88% $2,355
UIF CORPORATION 1 2.88% $1,771
AXIA FINANCIAL, LLC 1 3.63% $5,584
UNCLE Credit Union 1 3.00% $4,465
UNION HOME MORTGAGE CORP. 1 2.63% $2,823
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 3.25% $9,991
UNIVERSITY CREDIT UNION 1 3.25% $3,753
NFM, INC. 1 3.25% $5,242
NOVA FINANCIAL & INVESTMENT CORPORATION 1 3.00% $12,581
NuVision Federal Credit Union 1 3.13% $2,533
NATIONWIDE MORTGAGE BANKERS, INC. 1 3.13% $2,440
Mortgage Research Center, LLC 1 2.25% $7,882
MORTGAGE 2000, INC. 1 3.25% $4,366
Operating Engineers Local Union #3 1 2.75% $3,732
Monterey Credit Union 1 3.25% $2,134
PANORAMA MORTGAGE GROUP, LLC 1 2.75% $17,459
MID-VALLEY SERVICES, INC. 1 3.25% $9,004
LENOX FINANCIAL MORTGAGE CORPORATION 1 2.75% $1,970
Lakeview Community Capital, LLC 1 2.99% $1,960

SANTA CRUZ-WATSONVILLE, CA's 306 lenders originated 13,043 loans during 2021. The total origination value was $7,178,265,000, with an average loan value of $550,354.

The top SANTA CRUZ - WATSONVILLE lender as defined by loan originations is QUICKEN LOANS, LLC, with 1,162 loans originated. Their average total fees are $4,805, which is $1,533 lower than the next largest lender, Flagstar Bank, FSB.

The lowest fee SANTA CRUZ - WATSONVILLE lenders (with over 10 loans originated) are WINNPOINTE CORPORATION ($809), CHERRY CREEK MORTGAGE, LLC ($1,211), Fremont Bank ($2,097), FREEDOM MORTGAGE CORPORATION ($2,237) and Evolve Bank & Trust ($2,359).

The lowest rate SANTA CRUZ - WATSONVILLE lenders (with over 10 loans originated) are Charles Schwab Bank, SSB (2.40%), UBS Bank USA (2.65%), WINNPOINTE CORPORATION (2.69%), Ally Bank (2.69%) and AMERISAVE MORTGAGE CORPORATION (2.69%).

SANTA CRUZ-WATSONVILLE, CA Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
QUICKEN LOANS, LLC $827,220,000 $772,285,000 -6.6% 10.8%
UNITED WHOLESALE MORTGAGE, LLC $390,605,000 $517,590,000 32.5% 7.2%
Flagstar Bank, FSB $541,710,000 $511,920,000 -5.5% 7.1%
Wells Fargo Bank $357,385,000 $405,450,000 13.4% 5.6%
JPMorgan Chase Bank $196,450,000 $247,885,000 26.2% 3.5%
LOANDEPOT.COM, LLC $140,990,000 $233,485,000 65.6% 3.3%
HOME POINT FINANCIAL CORPORATION $121,040,000 $220,230,000 81.9% 3.1%
MASON MCDUFFIE MORTGAGE CORPORATION $238,210,000 $210,680,000 -11.6% 2.9%
GUARANTEED RATE, INC. $73,725,000 $179,295,000 143.2% 2.5%
Bank of America $141,875,000 $179,270,000 26.4% 2.5%
BAY $213,505,000 $174,220,000 -18.4% 2.4%
U.S. Bank $182,050,000 $149,715,000 -17.8% 2.1%
MOUNTAIN WEST FINANCIAL, INC. $123,130,000 $115,250,000 -6.4% 1.6%
First Republic Bank $79,990,000 $113,010,000 41.3% 1.6%
FINANCE OF AMERICA MORTGAGE LLC $113,555,000 $101,655,000 -10.5% 1.4%
BETTER MORTGAGE CORPORATION $32,705,000 $96,770,000 195.9% 1.3%
ACADEMY MORTGAGE CORPORATION $68,155,000 $86,035,000 26.2% 1.2%
CROSSCOUNTRY MORTGAGE, LLC $36,625,000 $82,400,000 125.0% 1.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $109,170,000 $77,925,000 -28.6% 1.1%
PENNYMAC LOAN SERVICES, LLC $48,245,000 $76,660,000 58.9% 1.1%
Fremont Bank $72,205,000 $74,500,000 3.2% 1.0%
MUFG Union Bank $36,315,000 $72,575,000 99.8% 1.0%
PREMIER MORTGAGE RESOURCES, L.L.C. $43,465,000 $69,730,000 60.4% 1.0%
GUARANTEED RATE AFFINITY, LLC $47,465,000 $61,105,000 28.7% 0.9%
STEARNS LENDING, LLC $122,490,000 $59,980,000 -51.0% 0.8%
Commerce Home Mortgage, Inc. $78,095,000 $59,195,000 -24.2% 0.8%
Mr. Cooper ( Nationstar Mortgage ) $46,360,000 $57,985,000 25.1% 0.8%
BAY EQUITY LLC $72,605,000 $52,175,000 -28.1% 0.7%
Morgan Stanley Private Bank $36,375,000 $51,285,000 41.0% 0.7%
Charles Schwab Bank, SSB $36,790,000 $50,175,000 36.4% 0.7%
FINANCE OF AMERICA REVERSE LLC $12,595,000 $47,770,000 279.3% 0.7%
Paramount Residential Mortgage Group, Inc. $70,425,000 $46,380,000 -34.1% 0.6%
FREEDOM MORTGAGE CORPORATION $42,260,000 $46,170,000 9.3% 0.6%
AMERISAVE MORTGAGE CORPORATION $34,190,000 $43,735,000 27.9% 0.6%
Bank of the West $45,160,000 $43,260,000 -4.2% 0.6%
SUMMIT FUNDING, INC. $31,860,000 $42,065,000 32.0% 0.6%
PNC Bank $36,590,000 $41,910,000 14.5% 0.6%
CALIBER HOME LOANS, INC. $41,815,000 $39,730,000 -5.0% 0.6%
Ally Bank $19,190,000 $38,855,000 102.5% 0.5%
NEWREZ LLC $28,920,000 $35,170,000 21.6% 0.5%
STAR ONE CREDIT UNION $39,125,000 $33,085,000 -15.4% 0.5%
BROKER SOLUTIONS, INC. $25,355,000 $31,255,000 23.3% 0.4%
THE GOLDEN 1 $29,570,000 $31,100,000 5.2% 0.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $22,770,000 $30,490,000 33.9% 0.4%
ON Q FINANCIAL, INC. $48,980,000 $29,275,000 -40.2% 0.4%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $22,005,000 $29,025,000 31.9% 0.4%
PROVIDENT FUNDING ASSOCIATES, L.P. $47,130,000 $28,245,000 -40.1% 0.4%
ENVOY MORTGAGE, LTD $5,355,000 $27,865,000 420.4% 0.4%
UBS Bank USA $17,940,000 $27,400,000 52.7% 0.4%
LENDUS, LLC $20,010,000 $25,635,000 28.1% 0.4%
GUILD MORTGAGE COMPANY $23,180,000 $24,900,000 7.4% 0.3%
Comerica Bank $25,205,000 $24,335,000 -3.5% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $20,005,000 $23,020,000 15.1% 0.3%
CELEBRITY HOME LOANS, LLC $27,870,000 $20,280,000 -27.2% 0.3%
PATELCO $15,315,000 $20,255,000 32.3% 0.3%
Evolve Bank & Trust $2,055,000 $19,390,000 843.6% 0.3%
General Mortgage Capital Corporation $15,900,000 $18,930,000 19.1% 0.3%
WINNPOINTE CORPORATION $18,450,000 $18,760,000 1.7% 0.3%
PRUDENTIAL MULTIFAMILY MORTGAGE, LLC $18,755,000 n/a 0.3%
Luther Burbank Savings $4,280,000 $18,585,000 334.2% 0.3%
S1L, Inc. $9,925,000 $18,175,000 83.1% 0.3%
SEA WEST COAST GUARD FEDERAL CREDIT UNION $18,785,000 $16,675,000 -11.2% 0.2%
PLANET HOME LENDING, LLC $23,505,000 $16,570,000 -29.5% 0.2%
HighTechLending Inc $16,505,000 $16,550,000 0.3% 0.2%
Provident Credit Union $15,165,000 $16,035,000 5.7% 0.2%
Strong Home Mortgage, LLC $12,155,000 $14,000,000 15.2% 0.2%
AMERICAN FINANCIAL NETWORK, INC. $21,430,000 $13,810,000 -35.6% 0.2%
Prosperity Home Mortgage, LLC $11,425,000 $13,590,000 18.9% 0.2%
PARKSIDE LENDING, LLC $21,335,000 $13,500,000 -36.7% 0.2%
Sierra Pacific Mortgage Company, Inc. $60,070,000 $13,380,000 -77.7% 0.2%
Citibank $91,390,000 $13,245,000 -85.5% 0.2%
GOOGAIN, INC. $20,210,000 $13,160,000 -34.9% 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $15,455,000 $13,045,000 -15.6% 0.2%
NETWORK CAPITAL FUNDING CORPORATION $19,230,000 $12,830,000 -33.3% 0.2%
Umpqua Bank $5,290,000 $12,730,000 140.6% 0.2%
Silicon Valley Bank $7,970,000 $12,555,000 57.5% 0.2%
Watermark Capital, Inc. $14,080,000 $12,210,000 -13.3% 0.2%
JMAC LENDING, INC. $12,375,000 $12,125,000 -2.0% 0.2%
AMWEST FUNDING CORP. $7,700,000 $12,010,000 56.0% 0.2%
TECHNOLOGY $7,240,000 $11,670,000 61.2% 0.2%
STANFORD Federal Credit Union $14,340,000 $11,625,000 -18.9% 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $15,110,000 $11,570,000 -23.4% 0.2%
NBKC BANK $8,735,000 $11,410,000 30.6% 0.2%
A&D Mortgage LLC $11,595,000 $11,085,000 -4.4% 0.2%
AMERICAN ADVISORS GROUP $8,590,000 $10,715,000 24.7% 0.1%
CHERRY CREEK MORTGAGE, LLC $11,400,000 $10,510,000 -7.8% 0.1%
LADERA LENDING, INC. $14,315,000 $10,410,000 -27.3% 0.1%
LAKEVIEW LOAN SERVICING, LLC $6,475,000 $10,165,000 57.0% 0.1%
TIAA, FSB $6,730,000 $9,930,000 47.5% 0.1%
PREMIER LENDING, INC. $9,735,000 $9,905,000 1.7% 0.1%
Wyndham Capital Mortgage, Inc. $3,300,000 $9,800,000 197.0% 0.1%
IMPAC MORTGAGE CORP. $10,575,000 $9,700,000 -8.3% 0.1%
AMERICAN INTERNET MORTGAGE, INC. $7,935,000 $9,670,000 21.9% 0.1%
DATA MORTGAGE, INC. $12,800,000 $9,605,000 -25.0% 0.1%
Mortgage Research Center, LLC $8,755,000 $9,590,000 9.5% 0.1%
REVERSE MORTGAGE FUNDING LLC $2,820,000 $9,220,000 227.0% 0.1%
CMG MORTGAGE, INC. $20,430,000 $8,815,000 -56.9% 0.1%
NEXERA HOLDING LLC $5,275,000 $8,795,000 66.7% 0.1%
MERIWEST MORTGAGE COMPANY, LLC $10,340,000 $8,745,000 -15.4% 0.1%
InterContinental Capital Group, Inc $2,380,000 $8,700,000 265.5% 0.1%
PENTAGON FEDERAL CREDIT UNION $3,995,000 $8,420,000 110.8% 0.1%
Cf Bank $4,455,000 $8,295,000 86.2% 0.1%
Third Federal Savings and Loan Association of Cleveland $2,390,000 $8,090,000 238.5% 0.1%
5TH STREET CAPITAL, INC. $1,165,000 $7,980,000 585.0% 0.1%
KeyBank $152,365,000 $7,940,000 -94.8% 0.1%
ARC HOME LLC $3,065,000 $7,835,000 155.6% 0.1%
KEYPOINT $4,365,000 $7,570,000 73.4% 0.1%
EVERETT FINANCIAL, INC. $59,105,000 $7,350,000 -87.6% 0.1%
DIGNIFIED HOME LOANS, LLC $4,895,000 $7,330,000 49.7% 0.1%
MEGA CAPITAL FUNDING, INC. $33,940,000 $7,330,000 -78.4% 0.1%
GENEVA FINANCIAL, LLC $6,545,000 $7,170,000 9.5% 0.1%
City National Bank $5,765,000 $7,070,000 22.6% 0.1%
Citadel Servicing Corporation $3,540,000 $7,005,000 97.9% 0.1%
LANDED HOME LOANS LLC $7,005,000 n/a 0.1%
HOMEXPRESS MORTGAGE CORP. $1,160,000 $6,965,000 500.4% 0.1%
PHH Mortgage Corporation $4,280,000 $6,965,000 62.7% 0.1%
SOFI LENDING CORP. $4,660,000 $6,915,000 48.4% 0.1%
REDWOOD RESIDENTIAL ACQUISITION CORPORATION $755,000 $6,805,000 801.3% 0.1%
LENDSURE MORTGAGE CORP. $980,000 $6,645,000 578.1% 0.1%
The Federal Savings Bank $7,545,000 $6,340,000 -16.0% 0.1%
ONY GLO, INC. $10,780,000 $6,075,000 -43.6% 0.1%
NAVY FEDERAL CREDIT UNION $7,550,000 $6,025,000 -20.2% 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $7,715,000 $5,945,000 -22.9% 0.1%
FirstBank $5,395,000 $5,795,000 7.4% 0.1%
Truist Bank $2,720,000 $5,675,000 108.6% 0.1%
ALLIANT CREDIT UNION $5,075,000 $5,660,000 11.5% 0.1%
BM Real Estate Services, Inc. $3,975,000 $5,435,000 36.7% 0.1%
FIRST TECHNOLOGY $11,350,000 $5,430,000 -52.2% 0.1%
North American Savings Bank, F.S.B. $6,560,000 $5,400,000 -17.7% 0.1%
Cathay Bank $2,900,000 $5,115,000 76.4% 0.1%
Mechanics Bank $2,995,000 $5,040,000 68.3% 0.1%
LAND HOME FINANCIAL SERVICES, INC. $7,060,000 $4,955,000 -29.8% 0.1%
CIT Bank $8,140,000 $4,905,000 -39.7% 0.1%
Golden Empire Mortgage, Inc. $5,590,000 $4,905,000 -12.3% 0.1%
The Loan Store, Inc. $4,815,000 $4,830,000 0.3% 0.1%
Axos Bank $10,200,000 $4,770,000 -53.2% 0.1%
OCMBC, INC. $4,230,000 $4,730,000 11.8% 0.1%
Tri Counties Bank $1,210,000 $4,650,000 284.3% 0.1%
PLAZA HOME MORTGAGE, INC. $4,650,000 $4,540,000 -2.4% 0.1%
HSBC BANK USA, NATIONAL ASSOCIATION $2,630,000 $4,460,000 69.6% 0.1%
MERIWEST $2,425,000 $4,415,000 82.1% 0.1%
ZILLOW HOME LOANS, LLC $3,685,000 $4,395,000 19.3% 0.1%
Amerifirst Financial, Inc. $3,910,000 $4,095,000 4.7% 0.1%
NATIONS DIRECT MORTGAGE, LLC $3,340,000 $4,090,000 22.5% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $5,800,000 $4,085,000 -29.6% 0.1%
Arvest Bank $1,245,000 $4,065,000 226.5% 0.1%
SANTA CLARA COUNTY $1,990,000 $3,990,000 100.5% 0.1%
CANOPY MORTGAGE, LLC $800,000 $3,955,000 394.4% 0.1%
First Savings Bank $8,630,000 $3,955,000 -54.2% 0.1%
Lakeview Community Capital, LLC $535,000 $3,950,000 638.3% 0.1%
RESIDENTIAL WHOLESALE MORTGAGE, INC. $395,000 $3,920,000 892.4% 0.1%
San Mateo Credit Union $1,295,000 $3,890,000 200.4% 0.1%
BBVA USA $6,390,000 $3,865,000 -39.5% 0.1%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $1,875,000 $3,830,000 104.3% 0.1%
LENDERFI, INC. $2,195,000 $3,665,000 67.0% 0.1%
ANGEL OAK HOME LOANS LLC $505,000 $3,615,000 615.8% 0.1%
VILLAGE CAPITAL & INVESTMENT LLC $3,420,000 $3,565,000 4.2% 0.0%
Pacific Premier Bank $3,560,000 n/a 0.0%
Farmers Bank & Trust $950,000 $3,510,000 269.5% 0.0%
LOANSNAP, INC. $2,185,000 $3,430,000 57.0% 0.0%
Firefighters First Federal Credit Union $1,810,000 $3,385,000 87.0% 0.0%
MOVEMENT MORTGAGE, LLC $5,630,000 $3,350,000 -40.5% 0.0%
Carrington Mortgage Services, LLC $6,760,000 $3,330,000 -50.7% 0.0%
HOME APPROVALS DIRECT, INC. $1,800,000 $3,325,000 84.7% 0.0%
Barrington Bank & Trust Company, N.A. $3,235,000 $3,310,000 2.3% 0.0%
CENTRAL COAST LENDING, INC. $355,000 $3,270,000 821.1% 0.0%
NexBank $1,895,000 $3,170,000 67.3% 0.0%
Alaska USA Federal Credit Union $2,485,000 $3,135,000 26.2% 0.0%
PACIFIC SERVICE $6,180,000 $3,090,000 -50.0% 0.0%
Nations Lending Corporation $2,485,000 $3,085,000 24.1% 0.0%
EMBRACE HOME LOANS, INC. $970,000 $3,060,000 215.5% 0.0%
PremierOne Credit Union $1,015,000 $3,015,000 197.0% 0.0%
First Foundation Bank $32,955,000 $3,005,000 -90.9% 0.0%
First Guaranty Mortgage Corporation $4,935,000 $2,960,000 -40.0% 0.0%
MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION $2,955,000 n/a 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $4,720,000 $2,865,000 -39.3% 0.0%
Zions Bancorporation, N.A. $1,005,000 $2,855,000 184.1% 0.0%
LONGBRIDGE FINANCIAL, LLC $850,000 $2,825,000 232.4% 0.0%
Florida Capital Bank $2,320,000 $2,815,000 21.3% 0.0%
INTELLILOAN, INC. $1,785,000 $2,810,000 57.4% 0.0%
Kwik Mortgage Corporation $2,275,000 $2,730,000 20.0% 0.0%
KINECTA $330,000 $2,720,000 724.2% 0.0%
NEW DAY FINANCIAL, LLC $3,900,000 $2,695,000 -30.9% 0.0%
Prime Choice Funding Inc. $3,360,000 $2,690,000 -19.9% 0.0%
Luxury Mortgage Corp. $705,000 $2,665,000 278.0% 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $2,655,000 n/a 0.0%
NMSI, INC. $4,195,000 $2,645,000 -36.9% 0.0%
Ameris Bank $2,090,000 $2,595,000 24.2% 0.0%
Murphy Bank $1,020,000 $2,595,000 154.4% 0.0%
AMERICAN FINANCING CORPORATION $1,630,000 $2,505,000 53.7% 0.0%
FISHER FINANCIAL GROUP, INCORPORATED $1,770,000 $2,495,000 41.0% 0.0%
SPRING EQ, LLC $2,030,000 $2,495,000 22.9% 0.0%
HomeTrust Bank $475,000 $2,460,000 417.9% 0.0%
SCHOOLSFIRST $905,000 $2,460,000 171.8% 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $5,165,000 $2,365,000 -54.2% 0.0%
Stifel Bank and Trust $3,035,000 $2,330,000 -23.2% 0.0%
USAA Federal Savings Bank $10,380,000 $2,325,000 -77.6% 0.0%
Franklin Loan Corporation $625,000 $2,315,000 270.4% 0.0%
BNY Mellon $2,300,000 n/a 0.0%
Northpointe Bank $6,590,000 $2,275,000 -65.5% 0.0%
FBC MORTGAGE, LLC $4,035,000 $2,260,000 -44.0% 0.0%
AmeriHome Mortgage Company, LLC $2,680,000 $2,210,000 -17.5% 0.0%
REDWOOD $140,000 $2,210,000 1,478.6% 0.0%
CHURCHILL MORTGAGE CORPORATION $3,045,000 $2,190,000 -28.1% 0.0%
HomeStreet Bank $745,000 $2,175,000 191.9% 0.0%
VERITAS FUNDING, LLC $2,155,000 n/a 0.0%
F&A Federal Credit Union $2,115,000 n/a 0.0%
PANORAMA MORTGAGE GROUP, LLC $920,000 $2,070,000 125.0% 0.0%
GEORGIA'S OWN $2,050,000 n/a 0.0%
PRIMARY RESIDENTIAL MORTGAGE, INC. $3,870,000 $2,025,000 -47.7% 0.0%
Citizens Bank $1,560,000 $2,005,000 28.5% 0.0%
Discover Bank $625,000 $1,990,000 218.4% 0.0%
MORIA DEVELOPMENT, INC. $640,000 $1,975,000 208.6% 0.0%
QUORUM FEDERAL CREDIT UNION $900,000 $1,975,000 119.4% 0.0%
ALAMEDA MORTGAGE CORPORATION $2,820,000 $1,925,000 -31.7% 0.0%
CALCON MUTUAL MORTGAGE LLC $1,300,000 $1,890,000 45.4% 0.0%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $870,000 $1,875,000 115.5% 0.0%
MACKILLIE INCORPORATED $1,430,000 $1,845,000 29.0% 0.0%
LOANPAL, LLC $2,700,000 $1,830,000 -32.2% 0.0%
AMERICAN FIRST $1,805,000 n/a 0.0%
OPEN MORTGAGE, LLC $2,985,000 $1,805,000 -39.5% 0.0%
21ST MORTGAGE CORPORATION $940,000 $1,770,000 88.3% 0.0%
Equity Prime Mortgage LLC $1,100,000 $1,765,000 60.5% 0.0%
ALL REVERSE MORTGAGE, INC. $1,285,000 $1,760,000 37.0% 0.0%
AHL FUNDING $515,000 $1,750,000 239.8% 0.0%
SAN FRANCISCO FIRE CREDIT UNION $4,890,000 $1,745,000 -64.3% 0.0%
ADVANCIAL $1,230,000 $1,725,000 40.2% 0.0%
Farmers & Merchants Bank of Central California $1,705,000 n/a 0.0%
CIVIC FINANCIAL SERVICES, LLC $780,000 $1,670,000 114.1% 0.0%
CLEARPATH LENDING $1,080,000 $1,645,000 52.3% 0.0%
Bank of England $1,485,000 $1,610,000 8.4% 0.0%
Figure Lending LLC $820,000 $1,570,000 91.5% 0.0%
AUGUSTA FINANCIAL, INC. $765,000 $1,530,000 100.0% 0.0%
NATIONWIDE EQUITIES CORPORATION $475,000 $1,530,000 222.1% 0.0%
ATHAS CAPITAL GROUP, INC. $1,090,000 $1,520,000 39.4% 0.0%
PREMIER AMERICA $1,440,000 n/a 0.0%
TRAVIS CREDIT UNION $745,000 $1,440,000 93.3% 0.0%
WESTERN EXPRESS LENDING $1,430,000 $1,430,000 0.0% 0.0%
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION $1,420,000 n/a 0.0%
RESIDENTIAL BANCORP. $1,415,000 n/a 0.0%
KINGS MORTGAGE SERVICES, INC. $1,395,000 n/a 0.0%
LOANFLIGHT LENDING, LLC $1,460,000 $1,350,000 -7.5% 0.0%
BMO Harris Bank $1,335,000 n/a 0.0%
BNC National Bank $5,845,000 $1,335,000 -77.2% 0.0%
INTERCAP LENDING INC. $1,310,000 n/a 0.0%
Merchants Bank of Indiana $2,125,000 $1,310,000 -38.4% 0.0%
Hometown Lenders, Inc. $1,290,000 n/a 0.0%
Community West Bank $1,225,000 $1,270,000 3.7% 0.0%
MEGASTAR FINANCIAL CORP. $1,245,000 n/a 0.0%
NATIONS RELIABLE LENDING, LLC $405,000 $1,170,000 188.9% 0.0%
PRIVATE MORTGAGE ADVISORS, LLC $7,155,000 $1,165,000 -83.7% 0.0%
The Central Trust Bank $1,160,000 n/a 0.0%
FUNDLOANS CAPITAL $1,125,000 n/a 0.0%
Monterey Credit Union $115,000 $1,110,000 865.2% 0.0%
NEW WAVE LENDING GROUP INC $1,110,000 n/a 0.0%
SNAPFI, INC. $2,810,000 $1,110,000 -60.5% 0.0%
KELLER MORTGAGE, LLC $1,830,000 $1,105,000 -39.6% 0.0%
Financial Partners Credit Union $515,000 $1,100,000 113.6% 0.0%
SCENIC OAKS FUNDING, INC. $725,000 $1,090,000 50.3% 0.0%
SUMMIT MORTGAGE BANKERS INC. $1,285,000 $1,055,000 -17.9% 0.0%
BKCO MORTGAGE, LLC $1,050,000 n/a 0.0%
HOMESIDE FINANCIAL, LLC $650,000 $1,040,000 60.0% 0.0%
Raymond James Bank $2,020,000 $1,020,000 -49.5% 0.0%
CORNERSTONE HOME LENDING, INC. $1,010,000 n/a 0.0%
SAN DIEGO COUNTY CREDIT UNION $1,005,000 n/a 0.0%
NOVA FINANCIAL & INVESTMENT CORPORATION $995,000 n/a 0.0%
Reliant Bank $995,000 n/a 0.0%
MICHIGAN MUTUAL, INC. $6,745,000 $990,000 -85.3% 0.0%
LOGIX FEDERAL CREDIT UNION $410,000 $985,000 140.2% 0.0%
SAFE CREDIT UNION $495,000 $985,000 99.0% 0.0%
American Airlines Federal Credit Union $975,000 n/a 0.0%
MORTGAGEONE, INC. $960,000 n/a 0.0%
Financial Funding Solutions, Inc. $1,150,000 $955,000 -17.0% 0.0%
PLUS RELOCATION MORTGAGE, LLC $955,000 n/a 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $5,245,000 $925,000 -82.4% 0.0%
Provident Savings Bank, F.S.B. $925,000 n/a 0.0%
Baxter Credit Union $920,000 n/a 0.0%
HOMESTEAD FUNDING CORP. $1,710,000 $900,000 -47.4% 0.0%
Toyota Financial Savings Bank $1,985,000 $885,000 -55.4% 0.0%
TRUWEST Credit Union $875,000 n/a 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $1,940,000 $870,000 -55.2% 0.0%
Boston Private Bank & Trust Company $1,145,000 $855,000 -25.3% 0.0%
V.I.P. MORTGAGE, INC. $585,000 $850,000 45.3% 0.0%
Hometown Equity Mortgage, LLC $2,385,000 $840,000 -64.8% 0.0%
Operating Engineers Local Union #3 $545,000 $840,000 54.1% 0.0%
TOWNE MORTGAGE COMPANY $1,455,000 $830,000 -43.0% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $1,005,000 $825,000 -17.9% 0.0%
First Internet Bank of Indiana $2,205,000 $825,000 -62.6% 0.0%
PREMIA MORTGAGE, LLC $825,000 n/a 0.0%
Boeing Employees Credit Union $820,000 n/a 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $710,000 $815,000 14.8% 0.0%
EXCITE Credit Union $855,000 $805,000 -5.8% 0.0%
UNCLE Credit Union $805,000 n/a 0.0%
EVANSVILLE TEACHERS $785,000 n/a 0.0%
Bell Bank $155,000 $780,000 403.2% 0.0%
MID AMERICA MORTGAGE, INC. $870,000 $775,000 -10.9% 0.0%
First Western Trust Bank $1,465,000 $755,000 -48.5% 0.0%
First Bank $2,090,000 $750,000 -64.1% 0.0%
MK LENDING CORP. $750,000 n/a 0.0%
TOTAL MORTGAGE SERVICES, LLC $735,000 n/a 0.0%
Low VA Rates, LLC $1,225,000 $725,000 -40.8% 0.0%
BELEM SERVICING LLC $720,000 n/a 0.0%
DEEPHAVEN MORTGAGE LLC $715,000 n/a 0.0%
FINANCE OF AMERICA COMMERCIAL LLC $715,000 n/a 0.0%
Home Mortgage Alliance Corp $705,000 n/a 0.0%
First Mortgage Solutions, LLC $2,385,000 $700,000 -70.6% 0.0%
TJC Mortgage, Inc. $1,110,000 $690,000 -37.8% 0.0%
TCF National Bank $8,315,000 $680,000 -91.8% 0.0%
CALCULATED RISK ANALYTICS LLC $1,405,000 $675,000 -52.0% 0.0%
CHU & ASSOCIATES, INC. $665,000 n/a 0.0%
Loan Simple, Inc. $665,000 n/a 0.0%
BNB FINANCIAL INC. $1,120,000 $655,000 -41.5% 0.0%
ALLIED MORTGAGE GROUP, INC. $640,000 n/a 0.0%
Platinum Home Mortgage Corporation $640,000 n/a 0.0%
LENDINGHOME FUNDING CORPORATION $615,000 n/a 0.0%
CHEVRON $870,000 $610,000 -29.9% 0.0%
CONTOUR MORTGAGE CORPORATION $605,000 n/a 0.0%
FIRST CENTENNIAL MORTGAGE CORPORATION $1,415,000 $605,000 -57.2% 0.0%
Pinnacle Bank $605,000 n/a 0.0%
ALTURA $595,000 n/a 0.0%
NFM, INC. $765,000 $595,000 -22.2% 0.0%
Princeton Mortgage Corporation $595,000 n/a 0.0%
Credit Union of Southern California $575,000 n/a 0.0%
DEL SUR CORPORATION $535,000 $575,000 7.5% 0.0%
ABSOLUTE HOME MORTGAGE CORPORATION $780,000 $570,000 -26.9% 0.0%
KBHS HOME LOANS, LLC $515,000 $555,000 7.8% 0.0%
AMCAP MORTGAGE, LTD. $545,000 n/a 0.0%
EMM LOANS LLC $475,000 $545,000 14.7% 0.0%
INSPIRE HOME LOANS INC. $545,000 n/a 0.0%
INTERNATIONAL CITY MORTGAGE, INC. $545,000 n/a 0.0%
SESLOC $545,000 n/a 0.0%
Wheatland Bank $545,000 n/a 0.0%
FIDELITY BANK $535,000 n/a 0.0%
Fifth Third Bank $1,000,000 $535,000 -46.5% 0.0%
MID-VALLEY SERVICES, INC. $860,000 $535,000 -37.8% 0.0%
UNITED NORTHERN MORTGAGE BANKERS LIMITED $515,000 $535,000 3.9% 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $520,000 n/a 0.0%
COASTAL FUNDING SLC, INC. $415,000 $515,000 24.1% 0.0%
LOANLEADERS OF AMERICA, INC. $950,000 $515,000 -45.8% 0.0%
Chickasaw Community Bank $505,000 n/a 0.0%
GUIDANCE RESIDENTIAL, LLC $505,000 n/a 0.0%
MORTGAGE 2000, INC. $505,000 n/a 0.0%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $600,000 $505,000 -15.8% 0.0%
WESTCOAST MORTGAGE GROUP AND REALTY COMPANY $505,000 n/a 0.0%
FAY SERVICING, LLC $305,000 $495,000 62.3% 0.0%
AXIA FINANCIAL, LLC $485,000 n/a 0.0%
ST FIN CORP $1,605,000 $485,000 -69.8% 0.0%
Advisors Mortgage Group, L.L.C. $475,000 n/a 0.0%
VISION ONE MORTGAGE, INC. $645,000 $475,000 -26.4% 0.0%
Century Mortgage Company DBA Century Lending Company $455,000 n/a 0.0%
Goldwater Bank, N.A. $1,925,000 $455,000 -76.4% 0.0%
RANLIFE, INC. $435,000 n/a 0.0%
SECURITYNATIONAL MORTGAGE COMPANY $425,000 n/a 0.0%
ALL WESTERN MORTGAGE, INC. $415,000 n/a 0.0%
NuVision Federal Credit Union $415,000 n/a 0.0%
FOOTHILL FEDERAL CREDIT UNION $405,000 n/a 0.0%
1ST RELIANT HOME LOANS, INC. $900,000 $395,000 -56.1% 0.0%
BEST FINANCE CAPITAL, INC. $395,000 n/a 0.0%
FIRST NATIONS HOME FINANCE CORPORATION $395,000 n/a 0.0%
UIF CORPORATION $485,000 $385,000 -20.6% 0.0%
GREAT LAKES $565,000 $380,000 -32.7% 0.0%
Manufacturers and Traders Trust Company $545,000 $375,000 -31.2% 0.0%
GRANDE HOMES, INC. $625,000 $365,000 -41.6% 0.0%
TRIAD FINANCIAL SERVICES, INC. $790,000 $360,000 -54.4% 0.0%
Cornerstone First Mortgage, Inc $1,880,000 $355,000 -81.1% 0.0%
WESCOM CENTRAL CREDIT UNION $330,000 n/a 0.0%
Sterling Bank and Trust, FSB $1,035,000 $325,000 -68.6% 0.0%
UNITED SECURITY FINANCIAL CORP $325,000 n/a 0.0%
AMERIFIRST FINANCIAL CORPORATION $305,000 n/a 0.0%
UNIVERSITY CREDIT UNION $305,000 n/a 0.0%
LANTZMAN MANAGEMENT, INC. $1,205,000 $285,000 -76.3% 0.0%
MLD MORTGAGE INC. $295,000 $285,000 -3.4% 0.0%
CASTLE & COOKE MORTGAGE, LLC $265,000 n/a 0.0%
Colonial Savings, F.A. $255,000 n/a 0.0%
INFINITY EQUITY GROUP, INC. $255,000 n/a 0.0%
UNION HOME MORTGAGE CORP. $225,000 n/a 0.0%
Fidelity Bank $215,000 n/a 0.0%
First Home Bank $215,000 n/a 0.0%
HANSCOM $205,000 n/a 0.0%
THE POLICE Credit Union $1,465,000 $205,000 -86.0% 0.0%
CITIZENS EQUITY FIRST $305,000 $200,000 -34.4% 0.0%
Republic Bank & Trust Company $195,000 n/a 0.0%
Servion, Inc. $1,060,000 $195,000 -81.6% 0.0%
BLUELEAF LENDING, LLC $165,000 n/a 0.0%
Bethpage Federal Credit Union $745,000 $155,000 -79.2% 0.0%
COASTHILLS $135,000 n/a 0.0%
FIRST ENTERTAINMENT $125,000 n/a 0.0%
ORANGE COUNTY'S CREDIT UNION $785,000 $125,000 -84.1% 0.0%
Quontic Bank $125,000 n/a 0.0%
CITYWIDE HOME LOANS, LLC $395,000 $105,000 -73.4% 0.0%
The Huntington National Bank $95,000 n/a 0.0%
CommonWealth Central Credit Union $55,000 n/a 0.0%
COMMUNITY FIRST CREDIT UNION $55,000 n/a 0.0%
Educational Employees Credit Union $55,000 n/a 0.0%

SANTA CRUZ - WATSONVILLE's top lender by overall market share is QUICKEN LOANS, LLC, with 10.8% market share. In second place, with 7.2%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $517,590,000 in loans. In third place, with 7.1%, is Flagstar Bank, FSB, having originated $511,920,000 in loans. In third place, with 5.6%, is Wells Fargo Bank, having originated $405,450,000 in loans. In third place, with 3.5%, is JPMorgan Chase Bank, having originated $247,885,000 in loans.



SANTA CRUZ-WATSONVILLE, CA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 6,478 $3,346,070,000 $516,528
Cash Out Refi 3,188 $1,656,170,000 $519,501
Home Purchase 2,389 $1,867,325,000 $781,635
Home Improvement 562 $114,100,000 $203,025
Other 422 $191,830,000 $454,573
NA 4 $2,770,000 $692,500

Santa Cruz - Watsonville's most frequently cited loan purpose was Refi, with 6,478 originations. The 2nd most popular reason was Cash Out Refi, with 3,188 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 6,355 $3,535,635,000 $556,355
3-4% 3,570 $2,128,190,000 $596,132
<2.5% 2,543 $1,283,715,000 $504,803
4-5% 317 $124,265,000 $392,003
5-6% 153 $57,275,000 $374,346
6-7% 51 $26,045,000 $510,686
7-8% 19 $6,785,000 $357,105
Over 8% 12 $5,000,000 $416,667

During 2021, Santa Cruz - Watsonville's most frequently originated rate bucket was 2.5-3%, with 6,355 originations.

Loan Sizing (SANTA CRUZ-WATSONVILLE, CA MSA)

Loan Size Originations Total Value Average Loan
$400k-600k 3,924 $1,950,560,000 $497,085
$600k-1000k 3,550 $2,659,190,000 $749,068
$200k-400k 3,494 $1,062,990,000 $304,233
$Over $1MM 928 $1,356,260,000 $1,461,487
$100k-200k 888 $132,000,000 $148,649
$100,000 or less 259 $17,265,000 $66,660

SANTA CRUZ - WATSONVILLE's loan sizing saw the bucket of loans from $400k-600k with 3,924 originations, totaling $1,950,560,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
40-60% 4,171 $2,292,225,000 $549,562
60-80% 3,387 $2,529,935,000 $746,955
20-40% 2,873 $1,099,435,000 $382,678
80-100% 1,239 $966,605,000 $780,149
Under 20% 1,211 $213,425,000 $176,239
Over 100% 14 $11,700,000 $835,714

SANTA CRUZ - WATSONVILLE's loan sizing saw loans grouped in the 40-60% Loan-to-value bucket with 4,171 originations, totaling $2,292,225,000 in origination value.